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Merchant Services

ACCEPT CREDIT AND DEBIT CARDS WITH TSYS® and ST. JOHNS BANK

Does your business accept credit and debit card payments? If not, why? You could be missing out on potentially higher sales and revenue. If you do, are you paying too much for rates and fees? You could be saving money every month. We have teamed up with TSYS®, one of the nation's leading providers of payment processing services, to offer you innovative, money-saving payment processing solutions that will help your business grow and succeed.

Customized Payment Processing Solutions for Your Business

Whatever your business model — traditional POS retail, mobile, mail/telephone order, e-commerce or any combination — we can customize a payment processing program that includes everything you need.

Our services include:

Ability to accept all major credit and debit cards, plus ACH processing and check verification

Next-day funding available

Multiple authorization networks and transaction processing options

Quick and easy electronic application process

24/7/365 U.S.-based merchant support

Comprehensive 24/7 online reporting

American Express® Card acceptance at the same rate as other payment cards*

User controls that allow merchants to create reports based on the information they need

Online response to chargebacks and retrievals

ProcessNow®: It’s the next evolution in payment processing — app-and-hardware solutions that let you accept payments wherever and however your customers want to pay.† ProcessNow Mobile lets you take your business directly to your customers with mobile processing solutions for Apple® and AndroidTM mini-tablets and smartphones. ProcessNow Register replaces your clunky cash register-and-terminal POS system. Features for both solutions include:

Accept Visa®, MasterCard®, American Express, Discover® and PayPal™ at the point of sale

Print or email customer receipts

Enter inventory items quickly and easily

Manage tips and tax rates

TransFreedom®: Accept credit cards simply and affordably. TransFreedom combines a number of monthly charges into one single low monthly fee that’s less than the cost of the individual fees. It’s serious savings made simple:

No hidden fees – statements clearly explain all charges

Merchant’s choice of fee tier based on monthly processing volume

Cost flexibility allows merchants to grow and still maintain low fees

Data Breach Security Program: This program offers you financial protection in the event of a security breach, saving potentially hundreds of thousands of dollars in fines and related expenses – all for a low monthly fee. The program covers:

An industry-mandated audit for a suspected breach

Card replacement costs and related expenses

Industry assessments and fines

You’ve worked tirelessly to build your business. Why not enjoy state-of-the-art payment processing with the financial institution you trust? Ask your business development representative for more information about our payment-processing program with TransFirst.

EMV®: Chip cards are also known as EMV (short for Europay/MasterCard/Visa). They allow you to process credit and debit cards that use a microchip to store data.

PROTECT your business from financial liability

ACCEPT mobile wallets like Apple Pay®

SECURE data transfer through encryption

PROCESS non-chip cards, too

Your equipment may need to be upgraded in order to accept EMV cards.

Contact any Personal Banker or Branch Manager by phone at (314) 428-1000. They are available to meet with you at your office or at any one of our bank locations.

*Merchants that process less than $1,000,000 in American Express annual charge volume may be program-eligible (certain restrictions and exclusions may apply). †Transaction Express account required to use ProcessNow; regular monthly fee applies. All merchants subject to credit approval; some restrictions and exclusions apply. All offerings are subject to change or discontinuance at any time. Trademarks are the property of their respective owners and are not necessarily affiliated with TSYS. Apple and Apple Pay are registered trademarks of Apple Inc. Android is a trademark of Google Inc. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. TSYS® is a federally-registered U.S. service mark of Total System Services, Inc. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA and Synovus Bank, Columbus, GA. Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY; for Visa® and MasterCard® transactions only.